Community State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q2 2026 and Q3 2026 was in Net interest margin, which rose 0.18 percentage points to 3.96%. Within Wisconsin, Community State Bank is 61st of 153 on net interest margin, 3.96% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Community State Bank reported 3.96% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.77% |
| Cost of interest-bearing deposits | 1.16% |
| Cost of interest-bearing liabilities | 1.16% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q4 2023 | 4.16% | 1.00% | 3.22% |
| Q1 2024 | 4.27% | 1.02% | 3.33% |
| Q2 2024 | 4.30% | 1.01% | 3.36% |
| Q3 2024 | 4.37% | 0.99% | 3.45% |
| Q4 2024 | 4.39% | 0.96% | 3.50% |
| Q1 2025 | 4.31% | 0.96% | 3.41% |
| Q2 2025 | 4.45% | 0.94% | 3.56% |
| Q3 2025 | 4.51% | 0.94% | 3.64% |
| Q4 2025 | 4.44% | 0.90% | 3.60% |
| Q1 2026 | 4.36% | 0.84% | 3.57% |
| Q2 2026 | 4.52% | 0.79% | 3.78% |
| Q3 2026 | 4.67% | 0.77% | 3.96% |
Community State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9536) · FFIEC NIC profile (RSSD 130345)